The data on mortgage status were obtained from Housing Questions 22a and 33a in the 2006 American Community Survey. The questions were asked at owner-occupied units. "Mortgage" refers to all forms of debt where the property is pledged as security for repayment of the debt, including deeds of trust; trust deeds; contracts to purchase; land contracts; junior mortgages; and home equity loans.
A mortgage is considered a first mortgage if it has prior claim over any other mortgage or if it is the only mortgage on the property. All other mortgages (second, third, etc.) are considered junior mortgages. A home equity loan is generally a junior mortgage. If no first mortgage is reported, but a junior mortgage or home equity loan is reported, then the loan is considered a first mortgage.
In most data products, the tabulations for "Selected Monthly Owner Costs" and "Selected Monthly Owner Costs as a Percentage of Household Income" usually are shown separately for units "with a mortgage" and for units "not mortgaged." The category "not mortgaged" is comprised of housing units owned free and clear of debt.

This measure represents the middle value (if n is odd) or the average of the two middle values (if n is even) in an ordered list of n data values. The median divides the total frequency distribution into two equal parts: one-half of the cases falling below the median and one-half above the median. Each median is calculated using a standard distribution (see below). (For more information, see "Interpolation.")

For data products displayed in American FactFinder, medians that fall in the upper-most category of an open-ended distribution will be shown with a plus symbol (+) appended (e.g., "$2,000+" for contract rent), and medians that fall in the lowest category of an open-ended distribution will be shown with a minus symbol (-) appended (e.g., "$100- for contract rent"). For other data products and data files that are downloaded by users (i.e., FTP files), plus and minus signs will not be appended. Contract Rent, for example will be shown as $2001 if the median falls in the upper-most category ($2,000 or more) and $99 if the median falls in the lowest category (Less than $100). (The "Standard Distributions" section below shows the open-ended intervals for medians.)

In order to provide consistency in the values within and among data products, standard distributions from which medians and quartiles are calculated are used for the American Community Survey. The American Community Survey standard distributions are listed below.

Standard Distribution for Median Age:
[116 data cells]
Under 1 year
1 year
2 years
3 years
4 years
5 years
.
.
.
112 years
113 years
114 years
115 years and over

Standard Distribution for Median Age at First Marriage
[9 cells]
5 to 9 years
10 to 14 years
15 to 19 years
20 to 24 years
25 to 29 years
30 to 34 years
35 to 39 years
40 to 44 years
45 to 49 years

Standard Distribution for Median Agricultural Crop Sales:
[5 data cells]
Less than $1,000
$1,000 to $2,499
$2,500 to $4,999
$5,000 to $9,999
$10,000 or more

Standard Distribution for Median Condominium Fees:
[15 data cells]
Less than $50
$50 to $99
$100 to $199
$200 to $299
$300 to $399
$400 to $499
$500 to $599
$600 to $699
$700 to $799
$800 to $899
$900 to $999
$1,000 to $1,249
$1,250 to $1,499
$1,500 to $1,749
$1,750 or more

Standard Distribution for Median Contract Rent/Quartile Contract Rent/Rent Asked/Gross Rent:
[23 data cells]
Less than $100
$100 to $149
$150 to $199
$200 to $249
$250 to $299
$300 to $349
$350 to $399
$400 to $449
$450 to $499
$500 to $549
$550 to $599
$600 to $649
$650 to $699
$700 to $749
$750 to $799
$800 to $899
$900 to $999
$1,000 to $1,249
$1,250 to $1,499
$1,500 to $1,999
$2,000 to $2,499
$2,500 to $2,999
$3,000 or more

Standard Distribution for Duration of Current Marriage:
[101 data cells]
Under 1 year
1 year
2 years
3 years
4 years
5 years
.
.
.
97 years
98 years
99 years
100 years and over

Standard Distribution for Median Earnings and Median Income (Individuals):
[35 data cells]
$1 to $2,499 or loss
$2,500 to $4,999
$5,000 to $7,499
$7,500 to $9,999
$10,000 to $12,499
$12,500 to $14,999
$15,000 to $17,499
$17,500 to $19,999
$20,000 to $22,499
$22,500 to $24,999
$25,000 to $27,499
$27,500 to $29,999
$30,000 to $32,499
$32,500 to $34,999
$35,000 to $37,499
$37,500 to $39,999
$40,000 to $42,499
$42,500 to $44,999
$45,000 to $47,499
$47,500 to $49,999
$50,000 to $52,499
$52,500 to $54,999
$55,000 to $57,499
$57,500 to $59,999
$60,000 to $62,499
$62,500 to $64,999
$65,000 to $67,499
$67,500 to $69,999
$70,000 to $72,499
$72,500 to $74,999
$75,000 to $79,999
$80,000 to $84,999
$85,000 to $89,999
$90,000 to $99,999
$100,000 or more

Standard Distribution for Median Fire, Hazard, and Flood Insurance:
[19 data cells]
$0
$1 to $49
$50 to $99
$100 to $149
$150 to $199
$200 to $249
$250 to $299
$300 to $349
$350 to $399
$400 to $449
$450 to $499
$500 to $599
$600 to $699
$700 to $799
$800 to $899
$900 to $999
$1,000 to $1,499
$1,500 to $1,999
$2,000 or more

Standard Distribution for Median Income in the Past 12 Months (Household/Family/Nonfamily Household):
[39 data cells]
Less than $2,500
$2,500 to $4,999
$5,000 to $7,499
$7,500 to $9,999
$10,000 to $12,499
$12,500 to $14,999
$15,000 to $17,499
$17,500 to $19,999
$20,000 to $22,499
$22,500 to $24,999
$25,000 to $27,499
$27,500 to $29,999
$30,000 to $32,499
$32,500 to $34,999
$35,000 to $37,499
$37,500 to $39,999
$40,000 to $42,499
$42,500 to $44,999
$45,000 to $47,499
$47,500 to $49,999
$50,000 to $52,499
$52,500 to $54,999
$55,000 to $57,499
$57,500 to $59,999
$60,000 to $62,499
$62,500 to $64,999
$65,000 to $67,499
$67,500 to $69,999
$70,000 to $72,499
$72,500 to $74,999
$75,000 to $79,999
$80,000 to $84,999
$85,000 to $89,999
$90,000 to $99,999
$100,000 to $124,999
$125,000 to $149,999
$150,000 to $174,999
$175,000 to $199,999
$200,000 or more

Standard Distribution for Median Monthly Housing Costs
[30 cells]
Less than $100
$100 to $149
$150 to $199
$200 to $249
$250 to $299
$300 to $349
$350 to $399
$400 to $449
$450 to $499
$500 to $549
$550 to $599
$600 to $649
$650 to $699
$700 to $749
$750 to $799
$800 to $899
$900 to $999
$1,000 to $1,249
$1,250 to $1,499
$1,500 to $1,749
$1,750 to $1,999
$2,000 to $2,499
$2,500 to $2,999
$3,000 to $3,499
$3,500 to $3,999
$4,000 to $4,499
$4,500 to $4,999
$5,000 to $5,499
$5,500 to $5,999
$6,000 or more

Standard Distribution for Median Real Estate Taxes Paid:
[14 data cells]
Less than $200
$200 to $299
$300 to $399
$400 to $599
$600 to $799
$800 to $999
$1,000 to $1,499
$1,500 to $1,999
$2,000 to $2,999
$3,000 to $3,999
$4,000 to $4,999
$5,000 to $7,499
$7,500 to $9,999
$10,000 or more

Standard Distribution for Median Selected Monthly Owner Costs/Median Selected Monthly Owner Costs by Mortgage Status (With a Mortgage):
[23 data cells]
Less than $100
$100 to $199
$200 to $299
$300 to $399
$400 to $499
$500 to $599
$600 to $699
$700 to $799
$800 to $899
$900 to $999
$1,000 to $1,249
$1,250 to $1,499
$1,500 to $1,749
$1,750 to $1,999
$2,000 to $2,499
$2,500 to $2,999
$3,000 to $3,499
$3,500 to $3,999
$4,000 to $4,499
$4,500 to $4,999
$5,000 to $5,499
$5,500 to $5,999
$6,000 or more

Standard Distribution for Median Selected Monthly Owner Costs by Mortgage Status (Without a Mortgage):
[17 data cells]
Less than $100
$100 to $149
$150 to $199
$200 to $249
$250 to $299
$300 to $349
$350 to $399
$400 to $499
$500 to $599
$600 to $699
$700 to $799
$800 to $899
$900 to $999
$1,000 to $1,249
$1,250 to $1,499
$1,500 to $1,999
$2,000 or more

Standard Distribution for Median Total Mortgage Payment:
[21 data cells]
Less than $100
$100 to $199
$200 to $299
$300 to $399
$400 to $499
$500 to $599
$600 to $699
$700 to $799
$800 to $899
$900 to $999
$1,000 to $1,249
$1,250 to $1,499
$1,500 to $1,749
$1,750 to $1,999
$2,000 to $2,499
$2,500 to $2,999
$3,000 to $3,499
$3,500 to $3,999
$4,000 to $4,499
$4,500 to $4,999
$5,000 or more

Standard Distribution for Median Usual Hours Worked Per Week Worked in the Past 12 Months:
[9 data cells]
Usually worked 50 to 99 hours per week
Usually worked 45 to 49 hours per week
Usually worked 41 to 44 hours per week
Usually worked 40 hours per week
Usually worked 35 to 39 hours per week
Usually worked 30 to 34 hours per week
Usually worked 25 to 29 hours per week
Usually worked 15 to 24 hours per week
Usually worked 1 to 14 hours per week

Standard Distribution for Median Value/Quartile Value/Price Asked:
[24 data cells]
Less than $10,000
$10,000 to $14,999
$15,000 to $19,999
$20,000 to $24,999
$25,000 to $29,999
$30,000 to $34,999
$35,000 to $39,999
$40,000 to $49,999
$50,000 to $59,999
$60,000 to $69,999
$70,000 to $79,999
$80,000 to $89,999
$90,000 to $99,999
$100,000 to $124,999
$125,000 to $149,999
$150,000 to $174,999
$175,000 to $199,999
$200,000 to $249,999
$250,000 to $299,999
$300,000 to $399,999
$400,000 to $499,999
$500,000 to $749,999
$750,000 to $999,999
$1,000,000 or more

Standard Distribution for Median Vehicles Available:
[6 data cells]
No vehicle available
1 vehicle available
2 vehicles available
3 vehicles available
4 vehicles available
5 or more vehicles available

Standard Distribution for Median Year Householder Moved Into Unit:
[13 data cells]
Moved In 2006
Moved in 2006
Moved in 2006
Moved in 2005
Moved in 2004
Moved in 2003
Moved in 2002
Moved in 2001
Moved in 2000
Moved in 1990 to 1999
Moved in 1980 to 1989
Moved in 1970 to 1979
Moved in 1969 or earlier

Standard Distribution for Median Year Structure Built:
[16 data cells]
Built In 2006
Built in 2006
Built in 2006
Built in 2005
Built in 2004
Built in 2003
Built in 2002
Built in 2001
Built in 2000
Built 1990 to 1999
Built 1980 to 1989
Built 1970 to 1979
Built 1960 to 1969
Built 1950 to 1959
Built 1940 to 1949
Built 1939 or earlier

Excerpt from:

Social Explorer; U.S. Census Bureau; American Community Survey 2006 Summary File: Technical Documentation.

The data on real estate taxes were obtained from Housing Question 20 in the 2006 American Community Survey. The question was asked at owner-occupied units. The statistics from this question refer to the total amount of all real estate taxes on the entire property (land and buildings) payable to all taxing jurisdictions, including special assessments, school taxes, county taxes, and so forth.
Real estate taxes include state, local, and all other real estate taxes even if delinquent, unpaid, or paid by someone who is not a member of the household. However, taxes due from prior years are not included. If taxes are paid on other than a yearly basis, the payments are converted to a yearly basis.
The payment for real estate taxes is added to payments for fire, hazard, and flood insurance; utilities and fuels; and mortgages (both first and second mortgages, home equity loans, and other junior mortgages) to derive "Selected Monthly Owner Costs" and "Selected Monthly Owner Costs as a Percentage of Household Income." A separate question (Question 22c in the 2006 American Community Survey) determines whether real estate taxes are included in the mortgage payment to the lender(s). This makes it possible to avoid counting taxes twice in the computations.